Jose Maria

José is a 20 year old young man. He is single and lives in the city of Cañete in the district of Imperial with his parents and siblings. He is a friendly, hard working and enthusiastic person who really wants to get ahead. Lamentably, due to a lack of financial resources and because he has to work to help his parents, José hasn't been able to study computer programming like he wanted, but he would have really liked to. In his free time, he likes to play soccer with his friends and on occasions he cooks a delicious arroz verde to share with his family.

On his own initiative, with much hard work and dedication, José works as a receptionist at a service business in his city. He serves the public and can work approximately 8 hours a day. In addition, José has a small business raising and selling ducks.

José is very grateful to the Kiva lenders, since thanks to their help he can build a small pen for his birds. He will buy wood, posts, rods, plastic and water dispensers to improve his pen. This way, he can continue working and striving to achieve his dream of going to college and getting ahead with his family.

Additional Information

More information about this loan

This loan is designed for people who have no access to financial services because they lack collateral or credit history, or run informal businesses. Caja Señor de Luren identifies these clients through a unique scoring system that evaluates their repayment capacity based on socio-economic and demographic indicators. The goal is to expand access to credit to vulnerable borrowers, empowering them to improve their income and living conditions.

About Caja Rural Señor de Luren

Caja Rural Señor de Luren is a microfinance institution based in Ica in southern Peru that primarily promotes the development of the country’s agricultural sector through lending. Today, it also offers credit for consumers, microenterprises and housing improvements, and has expanded its financial services to promote micro-savings and provide micro-insurance. This institution has been instrumental in helping borrowers recover from the devastating earthquake in the Ica region in 2007, and works with Peru’s National Bank to reach some of the poorest and most remote microfinance clients in the country.